• Convergence Security Journal
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• v.6 no.2
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• pp.43-51
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• 2006

The existing electronic transaction protocol uses a cryptography algorithm that is not suitable for mobile environment because of limited memory and process ability. In this paper, we propose an efficient transaction protocol suitable for mobile embedded system. The proposed protocol reduces computation and process time by using ID-based cryptography algorithm and ECC (elliptic curve cryptosystem). It uses vendor authentication only in the first transaction, and from the second transaction, it requires transaction after authentication with session created by applying ECC technique. Therefore, the creation number of authentication for the vendor can be reduced from n to one. And it reduces process time because it provides the same security with 160 bits as with 1024 bits of RSA.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.38B no.6
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• pp.492-500
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• 2013

The One-Time Password(OTP) Generator is used as a multi-factor authentication method to ensure secure transaction during e-Financial transaction in the bank and securities company. The OTP based e-Financial Transaction Verification Protocol ensures secure e-financial transaction through confirming the user's identity using OTP authentication information and counters not only Man-in-the-Browser(MITB) attacks but also memory hacking attacks. However, it is possible to generate correct OTPs due to potential of stealing sensitive information of the OTP generator through intelligent phishing, pharming, social engineering attacks. Therefore, it needs another scheme to prevent from above threats, and this paper proposes advanced scheme using Physical Unclonable Functions(PUFs) to solve these problems. First, it is impossible to generate the same OTP values because of the hysically unclonable features of PUFs. In addition, it is impossible to clone OTP generator with hardware techniques. Consequently, the proposed protocol provides stronger and more robust authentication protocol than existing one by adding PUFs in the OTP generator.

• The Journal of Korean Institute of Communications and Information Sciences
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• v.28 no.8B
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• pp.730-737
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• 2003

In this paper, we present an efficient authentication proxy for IEEE 802.1x systems based on the port-based access control mechanism. An IEEE 802.1x system consists of PC supplicants, a bridge with authentication client functions, and an authentication server. For the network security and user authentication purposes, a supplicant who wants to access Internet should be authorized to access the bridge port using the Extended Authentication Protocol (EAP) over LAN. The frame of EAP over LAN is then relayed to the authentication server by the bridge. After several transactions between the supplicant and the server via the bridge, the supplicant may be either authorized or not. Noting that the transactions between the relaying bridge and the server will be increased as the number of supplicants grows in public networks, we propose a scheme for reducing the transactions by employing an authentication proxy function at the bridge. The proxy is allowed to cache the supplicant's user ID and password during his first transaction with the server. For the next authentication procedure of the same supplicant, the proxy function of the bridge handles the authentication transactions using its cache on behalf of the authentication server. Since the main authentication server handles only the first authentication transaction of each supplicant, the processing load of the server can be reduced. Also, the authentication transaction delay experienced by a supplicant can be decreased compared with the conventional 802.1x system.

• Journal of the Korea Institute of Information Security & Cryptology
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• v.25 no.5
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• pp.1175-1186
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• 2015

Financial fraud has been increasing along with credit card usage. Magnetic stripe cards have vulnerabilities in that credit card information is exposed in plaintext and cardholder verification is untrustworthy. So they have been replaced by a smart card scheme to provide enhanced security. Furthermore, the FinTech that combines the IT with Financial product is being prevalent. For that reason, many mobile device based payment schemes have been proposed for card present transaction. In this paper, we propose a virtual credit card number payment scheme based on public key system for efficient authentication in card present transaction. Our proposed scheme is able to authenticate efficiently in card present transaction by pre-registering virtual credit card number based on cardholder's public key without PKI. And we compare and analyze our proposed scheme with EMV.

• Advances in environmental research
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• v.12 no.2
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• pp.113-122
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• 2023

Biometric authentication has become an essential part of modern-day security systems, especially in financial institutions like banks. A face recognition-based ATM is a biometric authentication system, that uses facial recognition technology to verify the identity of bank account holders during ATM transactions. This technology offers a secure and convenient alternative to traditional ATM transactions that rely on PIN numbers for verification. The proposed system captures users' pictures and compares it with the stored image in the bank's database to authenticate the transaction. The technology also offers additional benefits such as reducing the risk of fraud and theft, as well as speeding up the transaction process. However, privacy and data security concerns remain, and it is important for the banking sector to instrument solid security actions to protect customers' personal information. The proposed system consists of two stages: the first stage captures the user's facial image using a camera and performs pre-processing, including face detection and alignment. In the second stage, machine learning algorithms compare the pre-processed image with the stored image in the database. The results demonstrate the feasibility and effectiveness of using face recognition for ATM authentication, which can enhance the security of ATMs and reduce the risk of fraud.

• Journal of Korea Society of Digital Industry and Information Management
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• v.7 no.3
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• pp.75-83
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• 2011

Cognitive radio (CR) technology is to maximize the spectrum utilization by allocating the unused spectrums to the unlicensed users. This technology enables the sharing of channels among secondary (unlicensed) and primary (licensed) users on a non-interference basis after sensing the vacant channel and as a result, it is possible to harness wireless frequency more efficiently. To enhance the accuracy of sensing, RDSS was suggested. It is a fusion mechanism based on the reputation of sensing nodes and WSPRT (weighted sequential probability ratio test). However, in RDSS, the execution number of WSPRT could increase according to the order of inputted sensing values, and the fast defense against the forged values is difficult. In this paper, we propose a transaction signing-based authentication scheme for secure distributed spectrum sensing to response the forged values. The validity of proposed scheme is provided by BAN logic.

• The Journal of Society for e-Business Studies
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• v.21 no.4
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• pp.41-53
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• 2016

Today, leading smartphone manufacturers offer biometric technologies such as fingerprints, voice recognition, and iris patterns in their flagship models. These biometric technologies are used for authentication. Biometric authentications are widely used in device security and even in financial transaction. This paper examines cases where a user uses biometric authentication during financial transaction (both online and smartphone banking), and explains biometric for non-repudiation by digital signature. Finally, the paper also explains technical and legal requirements for biometric authentication in the area of financial services.

• Journal of Internet Computing and Services
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• v.9 no.6
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• pp.73-79
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• 2008

Nowadays, all over the world's banks use internet banking through various authentication methods. Although there are strong authentication methods using OTP (One Time Password), there still has vulnerability from sophisticated attacks such as MITM (Man In The Middle). This letter proposes signing-based authentication protocol that copes with attacks, such as MITB (Man In The Browser), and provides non-repudiation function. The protocol shows generic method to prevent the sophisticated attacks through connecting advantages from OTP and PKI (Public Key Infrastructure) certificate, and that can be deployed to various extended form in internet banking.

• KSII Transactions on Internet and Information Systems (TIIS)
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• v.11 no.2
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• pp.1180-1200
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• 2017

Currently, automated payment services provide intuitive user interfaces by adapting various wireless communication devices with mobile services. For example, companies like Samsung, Google, and Apple have selected the NFC payment method to service payments of existing credit cards. An electronic payment standard has been released for NFC activation within Korea and will strengthen the safety of payment service communications. However, there are various security risks regarding the NFC-based electronic payment method. In particular, the NFC payment service using the recently released lightweight devices cannot provide the cryptographic strength that is supported by many financial transaction services. This is largely due to its computational complexity and large storage resource requirements. The chaotic map introduced in this study can generate a highly complicated code as it is sensitive to the initial conditions. As the lightweight study using the chaotic map has been actively carried out in recent years, associated authentication techniques of the lightweight environment have been released. If applied with a chaotic map, a high level of cryptographic strength can be achieved that can provide more functions than simple XOR operations or HASH functions. Further, this technique can be used by financial transaction services. This study proposes a mutual authentication technique for NFC-PCM to support an NFC payment service environment based on the chaotic map.

• Journal of Korea Society of Digital Industry and Information Management
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• v.7 no.3
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• pp.63-74
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• 2011

Credit cards are more convenient than cash of heavy. Therefore, credit cards are used widely in on_line (internet) and off_line in nowadays. To use credit cards on internet is commonly secure because client identification based security card and authentication certificate. However, to use in off_line as like shop, store, department, restaurant is unsecure because of irregular accident. As client identification is not used in off_line use of credit cards, the irregular use of counterfeit, stolen and lost card have been increasing in number recently. Therefore, client identification is urgently necessary for secure card using in off_line. And the method of client identification must be simple, don't take long time, convenient for client, card affiliate and card company. In this paper, we study a reform measure of the structure and transaction process for the safety improvement of a credit cards. And we propose several authentication method of short-and long-term for client identification. In the proposal, the client authentication method by OTP application of smart-phone is efficient nowadays.